Financial Planning and Private Wealth Management
EWM is an independent, fee-only fiduciary financial advisory firm. Located in Satellite Beach, Florida, we help people seeking personal, sophisticated, and careful wealth management — whether you’re just starting to save and invest, a busy professional approaching retirement, or someone who wants to enjoy your retirement years in comfort.
We’re a small, boutique RIA offering a personalized, concierge feel to wealth management.
Need a Financial Check-Up?
Our financial planning process and investment management services provide a path toward achieving what’s most important to you.
Together, we’ll create an individualized plan to get you from where you are today to where you want to be tomorrow.
Ready to gain clarity on your financial situation, set your financial goals, and grow your wealth?
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We offer one-off, project-based financial planning. This is perfect for clients who want to get a comprehensive "financial check-up" but want to continue managing their own investments.
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We offer investment management for clients who want to outsource their investment decision-making. This service tier includes the creation of a financial plan and ongoing financial planning to keep you on track to reach your goals.
Why Choose a Fee-Only Fiduciary Financial Advisor?
Unlike other types of financial advisors, Eppes Wealth Management is a fee-only fiduciary — which means we provide truly objective financial guidance focused solely on your best interests.
Fiduciary Duty
Legally and Ethically Bound to Put You First.
We are under oath and law to act in your best interest at all times.
This is the highest legal and ethical standard in financial advising.
Fee-Only
No Commissions. No Product Sales.
We never sell investments, insurance, or annuities.
Paid only by you, the client, ensuring unbiased, personalized advice.
Independent
No Commissions from Third-Parties.
We don’t receive commissions from the sale of insurance or other financial products.
Since we don’t receive commissions, our sole loyalty is to you and your financial success.
“Of the roughly 285,000 professionals in the U.S. who offer clients financial advice, fewer than 2% are fee-only advisers who follow a true fiduciary standard that prohibits commissions on products recommended to clients and legally requires the advisers to always put their clients’ interests first.”
The Wall Street Journal - “Is It Time to Adopt a Uniform Fee-Only Standard for Financial Advice?”
Choosing Eppes Wealth Management means having a dedicated financial partner whose incentives are aligned with yours and who is legally bound to put your interests first — free from commissions, product sales, or outside influence.
Is working with a financial advisor worth it?
In their research to quantify how much value a financial advisor adds, Vanguard refers to this as “Advisor’s Alpha®” — the attempt to measure increase in net returns that comes from professional wealth management.
What the Research Says
Major financial institutions have spent decades quantifying exactly how much value an advisor adds. See studies below:
Vanguard’s "Advisor’s Alpha" study finds that advisors add approximately 3% in net returns annually through implementing best practices in wealth management.
Envestnet’s “Capital Sigma: The Advisor Advantage” estimates advisor value add at an average of 3% per year (2023).
Russell Investments’s “Value of a Financial Advisor Study” (2025) estimates the value of an advisor in the U.S. is approximately 4.87%.
Fidelity: “Industry studies estimate that professional financial advice can add up to 5.1% to portfolio returns over the long term, depending on the time period and how returns are calculated.”
Where Does This “Advisor Alpha” Come From?
Advisor alpha isn’t magic; it is the result of systematic, evidence-based wealth management. According to the Vanguard, this value is built on four key pillars:
1. Behavioral Coaching: The largest contributor to your success isn't what you buy, but what you don’t sell. Your advisor acts as a circuit breaker, helping you avoid emotional decisions — like panic-selling during a downturn or chasing “hot” trends — that can derail a lifetime of savings.
2. Tax-Efficiency & Asset Location: It’s not just about what you earn; it’s about what you keep. By strategically placing specific investments in taxable vs. tax-advantaged accounts and utilizing tax-loss harvesting, we help minimize the “tax drag” on your wealth.
3. Cost-Effective Implementation: High internal fund fees and trading costs can quietly erode a portfolio. We focus on low-cost, high-quality investment vehicles to ensure more of your money stays working for you.
4. Rebalancing and Spending Strategy: Systematically “buying low and selling high” through rebalancing maintains your risk profile. Furthermore, as you reach retirement, we develop a “spending priority” to determine which accounts to draw from first, extending the life of your portfolio.
Working with a fee-only fiduciary advisor is about more than just a portfolio — it’s about the peace of mind that comes from knowing you have a professional navigator managing the complexities of your financial life. Our goal is to provide a “Return on Life,” ensuring your capital is always aligned with your most important personal goals.
